Course Content
Your Loan Packaging Course
Learn to craft a persuasive loan package to secure financing. This concise course covers essential financial documents, integrating your business plan, understanding credit scores, and presenting your business effectively to meet lender expectations. Gain insights into legal compliance, submission tips, and strategies for engaging with lenders, all aimed at showcasing your business's growth potential.
The Business Entity Course
Navigate the complexities of choosing the right business structure with "The Business Entity Course." This focused course demystifies the process of selecting an entity type—such as LLC, corporation, or partnership—that aligns with your business goals, legal protections, and tax implications. Learn about the advantages and disadvantages of each entity type, the impact on your personal liability, and how your choice affects funding opportunities. This course provides the foundational knowledge needed to make an informed decision on structuring your business for success.
Personal Credit Enhancement Course 101
Boost your financial credibility with the "Personal Credit Enhancement Course 101." This essential course offers strategies to improve your personal credit score, a critical factor in securing business financing. Dive into understanding credit reports, identifying and rectifying errors, and employing tactics to enhance creditworthiness. Learn how personal credit impacts business funding opportunities and master practical steps to elevate your score for better loan terms and access to capital. This course is your guide to building a stronger financial foundation for both personal and business growth.
Business Credit 101
Unlock the potential of your business with "Business Credit 101," a course designed to guide entrepreneurs through the intricacies of establishing and managing business credit. Discover how to create a robust business credit profile that lenders trust, understand the key differences between personal and business credit, and learn strategies for building creditworthiness. This course covers the essentials of business credit reporting agencies, how to secure credit lines, and the impact of credit on your business's funding capabilities. Equip yourself with the knowledge to leverage business credit as a powerful tool for growth and financial stability.
A Bankable Business Plan Course
Transform your vision into a viable financial strategy with "A Bankable Business Plan Course." This comprehensive course guides you through crafting a business plan that not only articulates your business model and market potential but also appeals to investors and lenders. Learn to effectively communicate your business's value proposition, operational plan, and financial projections. Discover the components that make a business plan compelling, including market analysis, competitive edge, and financial forecasts. By the end of this course, you'll have a polished, professional business plan ready to open doors to funding and growth opportunities.
Lender Strategies and Tips Course
Navigate the lending landscape with confidence through the "Lender Strategies and Tips Course." This insightful course equips you with the knowledge to approach lenders effectively, understand their criteria, and improve your chances of loan approval. Delve into the nuances of different financing options, learn how to present your business in the best light, and uncover the secrets to successful loan negotiations. From building strong relationships with banks to preparing for common lender concerns, this course offers practical advice and strategies to secure the financing your business needs to thrive.
Funding Source Overview
Explore the spectrum of funding opportunities with the "Funding Source Overview" course. This essential guide introduces you to the diverse world of business financing, from traditional bank loans and SBA loans to innovative online lending and venture capital. Understand the pros and cons of each funding source, eligibility criteria, and how to align them with your business needs. Gain insights into navigating the application process, optimizing your chances for approval, and strategically choosing the right mix of financing to fuel your business growth. This course is your roadmap to identifying and securing the optimal funding sources for your enterprise.
Become Lender Ready
About Lesson
A Summary of Client’s Rights Under the Fair Credit Reporting Act
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of  information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records).

Here is a summary of Client’s major rights under the FCRA.

* Client must be told if information in his/her file has been used against her.  Anyone who uses a credit report or another type of consumer report to deny Client’s application for credit, insurance, or employment – or to take another adverse action against him/her – must tell him/her, and must give him/her the name, address, and phone number of the agency that provided the information. 
* Client has the right to know what is in his/her file. Client must request and obtain all the  information about Client in the files of a consumer reporting agency (Client’s “file  disclosure”). Client will be required to provide proper identification, which may include  your Social Security Number. In many cases, the disclosure will be free. 
You are entitled  to a free file disclosure if: 
 A person has taken adverse action against Client because of information in Client’s
credit report;
 Client is the victim of identity theft and place a fraud alert in Client’s file;
 Client’s file contains inaccurate information as a result of fraud;
 Client is on public assistance;
 Client is unemployed but expects to apply for employment within 60 days.
 Client is also entitled to one free disclosure every 12 months upon request from each  nationwide credit bureau and from nationwide specialty consumer reporting agencies. See for additional information. 
* The three nationwide credit reporting companies have set up one website, toll free  telephone number, and mailing address through which Client can order his/her free annual report. 
To order, visit, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service P.O. Box 105281 Atlanta, GA 30348-5281 
* Client has the right to ask for a credit score. Credit scores are numerical summaries of
your credit-worthiness based on information from credit bureaus. Client may request a credit  score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but Client will have to pay for it. In some mortgage transactions, Client will receive credit score information for free from the mortgage lender. 
* Client has the right to dispute incomplete or inaccurate information. If Client identifies
information in his/her file that is incomplete or inaccurate, and report it to the consumer  reporting agency, the agency must investigate unless your dispute is frivolous. See for an explanation of dispute procedures. 
* Consumer reporting agencies must correct or delete inaccurate, incomplete, or  unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 
* Consumer reporting agencies may not report outdated negative information.  In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
* Access to Client’s file is limited. A consumer reporting agency may provide information  about you only to people with a valid need — usually to consider an application with a creditor,  insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. 
* Client must give your consent for reports to be provided to employers. A consumer  reporting agency may not give out information about Client to his/her employer, or a potential employer, without Client’s written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to
* Client may limit “prescreened” offers of credit and insurance Client may receive based on  information in Client’s credit report. Unsolicited “prescreened” offers for credit and insurance  must include a toll-free phone number Client may call if Client chooses to remove Client’s name  and address from the lists these offers are based on. Client may opt-out with the nationwide  credit bureaus at 1-888-5-OPTOUT (1-888-567-8688). 
* Client may seek damages from violators. If a consumer reporting agency, or, in some  cases, a user of consumer reports or a furnisher of information to a consumer reporting agency  violates the FCRA, Client may be able to sue in state or federal court. 
* Identity theft victims and active duty military personnel have additional rights.  
For more information, visit
For more information, including information about additional rights, go to or  write to: Consumer Response Center, Room 130-A, Federal Trade Commission, 600 Pennsylvania Ave. N.W., Washington, D.C. 20580.